. If they budged on price, that would amount to negotiating on price. More Information. Not really. Short Answer: CarMax offers a variety of financing options through lenders like Ally Auto Finance, CarMax Auto Finance, and Santander Consumer USA. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. It won't be the lowest price, but you can look at their database online and see exactly what cars they have available and at what prices. They tend to have lower mileage, high quality cars. Getting rate quotations should be your first step. The big dealership places were way too pushy. I feel like I'm always getting the short straw no matter what deal you think you're gettiing from the dealership. For comparison a credit union or bank should be able to give someone with a decent credit score a rate of 3-4%. okay so question. I can't tell if I just simply don't understand something about this situation or if something sketchy is going on. If she likes the car why doesn’t she re-finance with a co-signer? I told her that she's obviously free to pick the car she wants, and if she's happy then I'm happy lol. Just do your research ahead of time. My most recent purchase was at Carmax. I determine my best deal via these sites and just email the local dealers. They don't however have the best prices. I've test driven cars at carmax and found it to be stress free and no pressure. EDIT: For clarification, its actually a 2017 with 47k miles. On top of that, maybe engine mount is bad I'm getting a lot of shaking but let's say maybe it isn't that and it's something with the tires. Press J to jump to the feed. Close. So my question out of all of this is mainly: Is this sales lady full of crap? You're going to spend more money than you really should. My girlfriend's car finally bit the dust mechanically, and it would be about $1200 to get it fixed when it Bluebooks for about $300. 98% of the time they turn you down. Repeat ad nauseum. When shopping at a CarMax store, simply tell a sales associate that you'd like to take the car of your choice for a 24-hour test drive. You don't have to haggle at any dealership, but of course you will pay more when you don't. I am financing somewhere other than CarMax. CarMax makes buying a car as easy as buying an appliance from Best Buy or something which is great. Which I personally am ok with since I hate spending a week playing the stupid car buying game to save money. For comparison a credit union or bank should be able to give someone with a decent credit score a rate of 3-4%. Sorry about that! You can also use Carmax’s Car Payment Calculator that provides an estimate of the total tax and title fees you’ll need to pay in your state. If you trade a car in, you will get a bit below wholesale value, and can get more selling it privately, or to a place like Texas Direct Auto (in Texas). Call … Yep, you can apply for a car loan from your bank and they'll mail you a blank check. She had to get a car because she got a new job. So my gf, not being a very confrontational person, said okay after the sales lady assured her that even if they did the sale today without a co-signer, she has a 3 day (maybe longer?) reddit carmax. Worse, they sell for that much brand spanking new. Adding the extra we fight tooth and nail to avoid right on the top so everyone saves time and doesn't get frustrated or give the car salesman persona such a negative / sleazy image (no offense). Enter your vehicle info to receive a cash or trade-in offer. Also, the 12k price included an extended 5 year warranty and gap insurance. Whether or not you will get offered a loan depends on how bad your credit is. Archived Comments are locked. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. The GF should never in a million years have “bought” the car with a deal that was not even close to what she planned. Carmax is economically better than buying a new car. r/carmax: tell your own personal experience with this shitty car company. Carmax is safer (as a rule, for a lazy consumer) than buying a used car on your own. You can test drive the car before you buy it. Side note... did you find out what the rate difference was with vs without co-signer? raise some questions, like the New York State . Once you have an idea what vehicle you want, then research pricing on Edmunds.com and Trucar (this is for a new car). Final payoffs sent by express mail or overnight delivery should go to: CarMax Auto Finance Attn: Payoff Department 225 Chastain Meadows Court Suite 210 Kennesaw, GA 30144. Yea, that's a whole other conversation lol. If it isn't, shop somewhere else.Carmax isn't bad, just get out side financing. Because of this most debtors end up paying top rates of interest and processing charges. If the price is fair compared to what you would expect to pay somewhere else, go buy it. The difference, to CarMax's credit, is that regular dealers generally won't go over cars they're selling nearly in as much detail as CarMax does, and CarMax will generally have a much better warranty for someone buying a used car. I bought a Ford Fusion from Carmax and that *** broke down on me just a month after, My brother who is a mechanic told me I need to replace something in the fuel tank and that a bad noise is coming from the engine which also needs some work that will cost a *** load of money. Thanks in advance friends. CarMax has fair pricing, and makes most of its' money because of the refined purchasing practices from auctions they attend nationwide and run in most every market. Obviously time for a new car, and it wasn't a total surprise, just a little sooner than anticipated. Our finance sources accommodate most credit profiles, and every CarMax customer can expect the same no-haggle pricing and exceptional customer service. Press J to jump to the feed. Some tips: 1. It does depend on how bad though. CarMax oil changes are by appointment only, so you’ll need to contact your nearest CarMax location to set up a time for service. Cookies help us deliver our Services. You'll see some of those at dealerships, too, but CarMax buys them direct. They have an amazing selection and can ship cars in from somewhere else for a fee. A lot of the cars they have are bought from rental agencies like Hertz and Enterprise. Then you can buy from wherever. Hot New Top Rising. Cookies help us deliver our Services. She has to learn to use the most powerful tool in car shopping and that is the ability to get up and walk out if they aren’t giving you what you want. Press question mark to learn the rest of the keyboard shortcuts. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. Posted by 1 year ago. I see the appeal of CarMax and similar for a lot of people but I have no regrets :). I told her seems really not good, and she agreed, she didn't feel very good about the whole transaction. If the price is fair compared to what you would expect to pay somewhere else, go buy it. The interest rate is 24%. $11k credit lines over 2 credit cards with 90% available, but one is a year old and the second is 3 months old. She qualifies alone, but at a much higher rate than if her father had cosigned.
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